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AU SPONT Credit Card credit card
Cashback

AU SPONT Credit Card

AU Small Finance Bank logo AU Small Finance Bank
7.2
CardTrail Score
Very Good
out of 10
Net Value
8.8
Accessibility
8.5
Feature Depth
5.0
Bank Trust
6.0
How we score →
Compare This Card Full Details
Annual Fee
₹299
Forex Markup
3.5%
Reward Rate
1%
Up to 1%
Lounge Access
2
domestic | 0 intl

About This Card

AU SPONT is an entry-level RuPay credit card designed for UPI-heavy users. With 1% cashback across all transaction types and up to 8 domestic airport lounge visits per year, it offers solid value at just Rs 299 annual fee.

Pros & Cons

Pros

  • 1% cashback on all transaction types including UPI
  • Very low annual fee of Rs 299
  • 8 domestic airport + 8 railway lounge visits per year
  • RuPay network enables UPI credit card payments

Cons

  • Lounge access requires Rs 20,000 quarterly spend
  • No international lounge access
  • Coins system is separate from direct cashback

Fee Details

Annual Fee
₹299
Joining Fee
₹299
Fee Waiver Condition
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
1%
Currency
Coins + Cashback
Welcome Bonus
500 Coins on first UPI transaction

Lounge Access

Domestic Lounges
2
per quarter
International Lounges
0
Spend Gate Required
You must spend ₹20,000 per quarter to activate lounge access.

Key Highlights

  • 1% cashback on e-commerce, POS, contactless & UPI transactions
  • 8 domestic airport lounge visits per year (spend Rs 20K/quarter)
  • 8 railway lounge visits per year
  • 5 Coins on every UPI transaction

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Useful Tools

Calculators and finders relevant to the AU SPONT Credit Card

Airport Lounge Access
Check lounge access for this card
EMI Cost Calculator
Calculate the real cost of EMI conversion
Reward Point Value
Calculate your reward point value
Credit Utilization
Check your credit utilization ratio
Forex Savings Calculator
Calculate your forex markup cost

Quick Summary

Best For
upi cashback
Annual Fee ₹299
Base Reward 1%
Max Reward 1%
Forex Markup 3.5%
Network RuPay
Min Income ₹1L+
Compare This Card

CardTrail Score

7.2
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

upi cashback everyday

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